Why do the depository institutions have the fractional reserve banking?A．Because they can keep a large amount of deposits from their depositors in the form. of reserves.B．Because most of their depositors would withdraw their deposits.C．Because only a small fraction of their depositors would deposit money during a day or week.D．Because they can meet the need of withdrawing of their depositors and make investments in other financial assets.
Why do the depository institutions have the fractional reserve banking?
A．Because they can keep a large amount of deposits from their depositors in the form. of reserves.
B．Because most of their depositors would withdraw their deposits.
C．Because only a small fraction of their depositors would deposit money during a day or week.
D．Because they can meet the need of withdrawing of their depositors and make investments in other financial assets.
相关考题：
You can assume that if all the females in a large pack had pups, ______.A. only the father would help feed themB. lions would find and kill themC. the mothers would fight each otherD. most of the pups would starve
BThe world is not only hungry，it is also thirsty for water． this may seem strange to you，since nearly 75% of the earth is covered with water． But about 97% of this water is sea water．Man can only drink and use the other 3% fresh water that comes from rivers，lakes，under-ground and other places． And we cannot even use all of that，because some of this fresh water has been made dirty．At the moment，this small amount(数量) of fresh water is still enough for us． However，our need for water is getting greater and greater． Only if we take steps to solve this problem now，we can get away from a serious world water shortage later on． The people of the world cannot have an enjoyable life without enough clean water．On one hand we should stop wasting this little water of ours，on the other hand we should find ways to reuse it，but this has not been done widely．Today，in most large cities，water is used only once and it then returns to the sea or runs into underground places．lf we can make it clean again，it can be used once more just as if it were fresh from a spring．But even if large cities reuse its water，we still would not have enough in the future． Where．could we turn to next for water? To the ocean! How can we do to make use of this great a-mount of sea water? We can take the salt from the water to make it fresh．So if we take all these steps，we'll be in no danger of drying up!( )26． Why does the writer say that the world is thirsty for water?A． The amount of fresh water is really very small．B． The people of the world waste too much water．C． The people of the world have to drink a lot of water every day．D． There are too many people in the world needing water．
听力原文：M: The depositors can earn interest on demand deposits, is that right?W: Yes, but the rate of interest on demand deposits is generally well below the bank's base rate.Q: What does the woman imply?(15)A．The bank's base rate is fixed.B．The rate on demand deposits is low.C．The rate on demand deposits is high.D．The bank's base rate is floating.
听力原文：The bank has special obligation to depositors, because it makes profits from their money as well as its own.(4)A．The bank makes profits only from its own money.B．The bank makes profits from not only the deposits but also its own money.C．The bank has special obligation to make profits.D．The bank makes profits by having special obligations to depositors.
听力原文：Reputation risk is particularly damaging for banks since the nature of their business requires maintaining the confidence of depositors, creditors and the general marketplace.(5)A．Depositors are usually full of confidence, but not the creditors.B．Banks should maintain the confidence of depositors and creditors.C．The nature of banks' business particularly damages their reputation.D．Maintaining the confidence of depositors, creditors and the general marketplace particularly damages banks' reputation.
What is the main source of income of the depository institutions?A．Different types of portfolio.B．Bills, notes and bonds.C．Deposits invested in financial assets.D．Large amount of assets.
What is the reserve requirement?A．The requirement for cash reserves.B．The requirement for deposits in cash.C．The percentage of a bank's deposits in the form. of cash reserves.D．The requirement of a bank to deposit a percentage of money.
Why would a clone not be identical to the "master copy"?A、They are totally different persons.B、The clone's cells, for example, would have energy-processing machinery that came from the egg, not from the person who was cloned.C、They have different genetic source.D、The clone’s cells can be productive.
What are they?()? It’s a secret. But I’ll give you some hints, anyway.A、Is it a secretB、Can I have an idea about themC、Why do you keep it a secret
Why should banks need to establish formal operating procedures?A．The supervisory authorities require them to do so.B．The shareholders expect a reasonable return on their investment.C．The banks have to keep safe large volume of monetary items raised from all sources.D．The banks engage in a large volume and variety of transactions.
What is the main function of deposit insurance fund?A．To ensure that the banks have sufficient fund to finance other economic sectors.B．To protect the banks from all kinds of risks arising from their operation.C．To meet requirements of financial needs of the public.D．To pledge to depositors that their money is safe whenever a bank is insolvency.
What is the reserve requirement?A．The requirement of a bank to deposit a percentage of moneyB．The requirement for deposits in cashC．The percentage of a bank's deposits in the form. of cash reservesD．The requirement for cash reserves
___are owned by their depositors and the profits or losses are shared among the owners in proportion to their deposits. A.MSBsB.ATMsC.POSsD.VISAs
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.Which of the following is not true?（ ）A.National Banks in the USA refers to “State Banks”.B.The group banking system usually exists in the states where branch banking is prohibited.C.Stateside branching implies that bank branches are allowed to operate anywhere within the state.D.Limited branching allows bank to operate branches within geographic territories authorized by the state law.
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.Which of the following is TRUE?（ ）A.The Fed undertakes banking supervision over banking system in the USA.B.The savings banks in the USA are authorized to do real estate business by some states’ law.C.Specialized banks in the USA provide funds as the lender of last resort.D.Specialized banks in the USA are the same to those in China.
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.What is the charting authority of the USA for banks?（ ）A.FRAB.Laws of statesC.FedD.OCC
Should UK depositors lose money, the government would have to decide whether to____for it directly.A.notifyB.compensateC.overlookD.trigger
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.Which of the following title best suits the passage?（ ）A.Banking and Non-banking in the USA.B.Banks in the USA.C.Bankers in the USA.D.Banking in the USA.
资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.The main characteristic of unit banking is that it can operate only a single full service bank from a single location. Unit banking institutions are not allowed to have branch networks. However, unit banking does not necessarily have to be small. In fact, many unit banks are quite large.Group banking refers to banking operations conducted by a corporation owning more than one bank. The group banking system usually exists in the states where branch banking is prohibited.As for branching, it is sometimes referred to “limited branching” or “stateside branching”. Limited branching allows bank to operate branches within geographic territories authorized by the state law. Stateside branching implies that bank branches are allowed to operate anywhere within the state. New York State, California, Florida and some others are stateside branch banking areas which Minnesota, Arkansas, lower and others are limited branching areas.In the United States, there are also specialized banks including the Edge Act Banks, the international Banking Facility, the bankers’ banks, the saving banks, the savings and loans associations, the credit unions and government owned and the Real Estate Investment Trust （TEIT）.There are also non-bank financial institutions in the USA, including the securities firms, the leasing and commercial finance companies, the mortgage bankers and the Real Estate Investment Trust （REIT）.Let us now look at the Federal System. Commonly known as the Federal Reserve Bank or the “Fed”, this is the Central Bank of the United States founded in 1913. It determines the reserve requirement within limits set by the US Congress. The function of the Fed is economic stabilization through the management of the nation’s money supply. The Federal Reserve System comprises a board of governors with 7 members stationed in Washington D.C Reserve Banks, including Boston，New York City, Dallas and San Francisco.The Federal Reserve Act（FRA）1913 set out the powers of the Fed which, on top of the regular central bank’s objectives, emphasize the following.i.Managing the monetary system and money supply of the USA;ii.Providing funds as the lender of last report;iii.Providing for an efficient cherub clearing system;iiii.Providing a rigorous banking supervision system.What is included in the commercial banking system of the USA?（ ）A.The Fed banks, the State banking and group banking.B.The Fed banking, the state banking and group banking.C.Unit banking, group banking and branch banking.D.Specialized banks, group banking and unit banking.
共用题干Federal Deposit Insurance CorporationBefore 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.52._________A: repaidB: depositedC:.foundD:.saved
共用题干Federal Deposit Insurance CorporationBefore 1933,and particularly during the period 1929—1933,bank failures were not uncom-mon.________(51)a bank overextended itself in creating credit or if several of its important loans could not be________(52),depositors in the bank would frequently become panicky and begin to make large withdrawals.________(53)the bank had only a small number of its deposits backed by currency,the bank would soon be unable to meet withdrawals,and most depositors ________(54)their money.Most frequently a bank merely needed time to improve its cash posi- tion by________(55)some of its loans and not making additional ones.In 1933,the number of bank failures________(56)a peak,forcing the federal government to intervene and ________(57)the banks temporarily.To help restore the public's confidence________(58) banks and strengthen the banking community,Congress passed legislation setting up the Federal Deposit Insurance Corporation.________(59)corporation,an agency of the federal government, now insures over 90 percent of all mutual savings and commercial bank deposits for________(60) $100,000 per deposit.The FDIC has________(61)its insurance fund by charging member in-stitutions one-twelfth of 1 percent of their total deposits.As a result of the protection provided by the FDIC and through other kinds of supervision, bank failures have been________(62)to a few isolated instances .When deposits are federally insured,people________(63)rush to withdraw their money if they________(64)the financial condition of their bank .The delay gives the banks the necessary time to adjust their cash credit balance,and this action helps to reduce the________(65)of bankruptcy.54._________A:.lostB:.had lostC:.will loseD:.would lose
The water we drink and use is running short in the world.We all have to learn how to stop wasting our limited water.One of the steps we should take is to find ways of reusing it.Experiments have already been done in this field.Today in most large cities,fresh water is used only once,then it runs into waste system.But it is possible to pipe the used water to a purifying factory.There it can be filtered and treated with chemicals so that it can be used again,just as it were fresh from a spring.But even if every large city purified and reused its water,we still would not have enough.Then we could turn to the oceans.All we’d have to do to make use of the seawater on earth is to get rid of the salt.This process is called desalinization,and it is already in use in many parts of the world.The way to stop wasting our limited water is to________.A.do experiments with waterB.purify the used water and reuse itC.use fresh water once againD.make use of seawater
Using the LIST command in Recovery Manager （RMAN）， which two pieces of information from the RMAN repository can be listed？ （）A、backups that can be deletedB、stored scripts in the recovery catalogC、backup sets and image copies that are obsoleteD、only the most recent backup sets or image copiesE、backups that do not have the AVAILABLE status in RMAN repository
单选题Paleontologists hypothesize that modern birds evolved from the family of dinosaurs that included Tyrannosaurus rex. This hypothesis would be strongly supported if evidence that dinosaurs from this family had a body covering resembling feathers could be found, but so far no such evidence has been found. Which of the following, if true, would most help the paleontologists explain why no evidence of feathered dinosaurs has yet been found?AFossilized dinosaurs have shown many birdlike characteristics, such as bone structure and winglike arms.BIf birds are in fact the descendants of dinosaurs, then it can be argued that the dinosaurs never really died out.CFlying dinosaurs such as the Pteranodon, which is not thought to have been related to modern birds, do not appear to have had feathers.DSoft tissues such as skin and feathers do not fossilize like bones, and therefore are far less likely to have left permanent evidence in the fossil record.EThe thousands of dinosaur fossils excavated by paleontologists represent only a tiny fraction of the billions of dinosaurs that once lived.
单选题It can be inferred from this passage that ______.Aairlines used to offer additional benefits to passengers who volunteered to be bumpedBvolunteering to be bumped is always a lucrative dealCwhen you are bumped to a different flight you usually have to wait only a few minutesDoverbooking flights is a growing practice in the airline industryEfree－flight vouchers have fewer limitations than do vouchers for only a specified dollar amount
单选题A consultant has been asked to do a performance analysis on a database server. Which subsystem should the consultant first analyze and why？（）ACPU，because the database replication process requires a considerable amount of CPU timeBMemory，because the buffer cache requires a large amount of memory to maintain the data in system memoryCDisk，because it is important to configure a sufficient number of disks to match the CPU processing powerDNetwork，because the data returned to the client from the server can be a large subset of the total database